Vantage banner2Vantage Finance

An expert master broker. Your most trusted partner.

Exceptional industry knowledge

Dedicated to providing a first-class service

Our reputation as a trusted and respected master broker has allowed us to support our brokers and their clients through some of the most complex financial situations. We are dedicated to providing a first-class service for our clients ensuring the highest levels of communication throughout the case. Our bespoke offering is backed by exceptional industry knowledge and an avid eye for detail. We use a sophisticated technology platform that has been created by our own in-house development team allowing us to provide the best solution for our clients.

Unlocking opportunities

As well as sourcing specialist commercial solutions, at Vantage we arrange a variety of first and second charge residential mortgages, bridging finance and business loans. If properties or circumstances are a little unusual, we help advisers to unlock opportunities and put together structured payment plans. We are also experts at helping ex-pats and foreign nationals buying in the UK.

Specialist Property Finance Services

Bridging Finance

Offering clients access to fast, flexible funds.

Buy-to-Let Mortgages

For first time landlords or experienced property investors

Commercial Mortgages

With specialist support for SMEs

Development Finance

Funding for property development. Single dwellings and multi-unit schemes considered

Foreign & Expatriate Loans

Experts in sourcing competitive rates for borrowers based abroad

Specialist Residential Mortgages

Both first charge and second charge solutions

  • Loans can be secured against nearly any property with any use, including residential, commercial, and land.
  • Proof of income is not always required.
  • Applications are approved in days, not weeks.
  • All deals are bespoke to the client and tailored to their needs.
  • No minimum income
  • Non-standard construction properties
  • New builds accepted
  • Exclusive access to a number of specialist lending products and rates
  • Adverse credit can be considered
  • Generous rental calculations
  • Local authority and housing association tenants can be considered
  • Lenders with no credit scoring available
  • Loans start at £25,000, with no maximum amount
  • Interest-only finance available in some instances
  • Available for both trading businesses (owner-occupied) and commercial investment
  • We accept applications from businesses with just a year's trading history
  • Adverse credit considered
  • Our lending panel spans across high street banks, challenger banks, specialist lenders and the private banking space
  • Loan-to-Value typically up to 65% of the Gross Development Value - but higher can be arranged
  • Locations covering England, Scotland, and Wales
  • Single dwellings and multi-unit schemes considered
  • Offer interest on a rolled up basis on many products
  • Residential, commercial, and mixed-use schemes considered
  • Funding available to both experienced developers and those newer to property development

Extensive experience in handling complex cases for foreign nationals and ex-pats including:

  • Complex Buy-to-Let
  • Commercial loans
  • Bridging finance
  • Development finance
  • Second Charge Mortgages
  • Residential first charge

Specialist residential mortgages

Residential mortgages for borrowers who are finding it difficult to access a mortgage with High Street lenders.

  • Loan sizes available from £15,000
  • No borrower upper age limits
  • Adverse credit history borrowers considered
  • Complex income structures considered
  • Non-standard construction property types considered
  • New build and right to buy property purchases

Second charge mortgages

Enable borrowers to raise funds from their existing properties with available equity.

  • Second charge mortgages can be used for any legal purpose
  • Available to self-employed borrowers, considered under the same criteria as employed
  • Available up to 95% LTV (includes first mortgage balance and ERCs where applicable)
  • Adverse credit can be considered

Leading our Industry

Vantage Finance is authorised and regulated by the Financial Conduct Authority

As one of the UK’s leading property finance specialists, we work with both intermediaries and direct consumers

Vantage Finance

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An expert master broker

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More property finance solutions

Lending:

West One

Market Leading Specialist Finance

West One is a multi-product specialist lender acquired by Enra in 2014. As one of the UK's leading specialist lenders, West One is renowned for offering one of the most comprehensive and competitive lending portfolios in the UK. The award winning team have a wealth of experience and are committed to solving even the most complex cases.

Services Include:

  • Bridging Loans
  • Buy-to-Let Mortgages
  • Development Finance
  • Second Charge Mortgages
West One

Broking:

Enterprise Finance

Specialist property finance that delivers

Established in 2002 and the founding brand within Enra, Enterprise Finance are an experienced specialist finance distributor with an industry reputation for delivering fast and effective results for their clients. The team are dedicated to cutting out the complexity of complex cases and connecting intermediaries and their clients to the most competitive solutions on the market.

Services include

  • Bridging Finance
  • Second Charge Mortgages
  • Development Finance
  • Complex Buy-to-Let mortgages
  • Commercial Mortgages
Enterprise Finance